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There’s a lot of conflicting news out there about getting a second credit card. Some say that it’s a good idea because it can help your credit scores with Equifax and TransUnion. Others say that it’s not a good idea because it could actually lower your score. After all, the…

Student loans are great and offer millions of people opportunities that they would have never had otherwise. However, upon graduating, those same loans can feel crippling to people financially and make it actually seem as though they are actually preventing individuals from certain opportunities. The most ideal way to deal…

Criminals, unfortunately, are very smart sometimes and are constantly coming up with new ways to get ahold of other people’s information and money. One of these ways that has just recently started making news is credit card dumping. So, what is credit card dumping? How can it hurt you, and…

There’s a lot of talk about how short sales hold many benefits over foreclosures. While it is true that many homeowners will reap these benefits after entering into a short sale, like anything else, these sales are not necessarily for everyone. There are certain risks associated with short sales and…

When facing foreclosure, it’s easy to think that it’s the worst-case situation and fail to see anything positive about it. However, there are some benefits that come with foreclosure, even if it’s hard to see what those are at first. Below are the advantages you might find surprising about foreclosures,…

Student loans allow more people to go to school and seize the opportunities that will get them further in life. However, they are also just like any other kind of debt. They typically start as a very big debt and, when they go unpaid, can become even more monstrous. When…

You have made the very difficult decision to file for bankruptcy. You’re looking forward to taking back control of your life and your finances. So, why are you still receiving phone calls and letters from creditors? This is a discouraging situation. Unfortunately, it’s one many find themselves in even after…

Many Floridians know there are consequences to accumulating too much debt and not being able to pay it off. Of course, it will wreak havoc on your credit score, but there’s more to it than just that. Another major consequence is that you may face a lawsuit if the debt…

Credit is complicated. There are many myths out there, and people that are trying to improve their credit often don’t know how to separate fact from fiction. If you’re trying to reach a better credit score, or you just don’t want to hurt the high credit score you’ve worked so…